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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.1 year Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $14,856 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,561 | $74,661-37.6% | $160,784-71.0% | $67,986-31.5% |
| Participation rate | 51.3% | 57.1%-5.9pp | 77.0%-25.7pp | 57.2%-5.9pp |
| Annual return | 13.77% | 28.83%-15.1pp | 1803.92%-1790.1pp | 31.67%-17.9pp |
| Employer contribution / active EE | $2,730 | $1,829+49.2% | $3,733-26.9% | $2,019+35.2% |
| Participant deferral / active EE | $5,445 | $3,681+47.9% | $6,293-13.5% | $3,358+62.2% |
| Admin fee / account holder | $145 | $3,959-96.3% | $9,717-98.5% | $3,203-95.5% |